---
title: 'Senior Software Engineer at Clutch'
canonical: 'https://feeny.ai/job/senior-software-engineer-clutch-brazil-mt3c2qdsy2n4'
type: 'job'
last_seen: '2026-09-10'
---

# Senior Software Engineer at Clutch

- **Company:** Clutch
- **Location:** Brazil
- **Employment:** contract
- **Work type:** remote
- **Posted:** 2026-07-20
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/withclutch/0cd52990-5e4d-44c4-975e-f8f8867b4518

## Job description

## About the Role

We’re looking for a Senior Fullstack Engineer to own product work end-to-end — from frontend to backend — with full production responsibility. You’ll work closely with product and design to turn complex financial workflows into intuitive, reliable experiences, shaping technical decisions across the stack and raising the bar for the engineers around you.

## What You’ll Do

Within 3 months, you will:

- Ship your first production contribution and develop a strong understanding of our architecture, codebase, and key product workflows
- Form a clear point of view on at least one technical area that could be improved
- Begin contributing to design and code reviews with technical perspective

Within 6 months, you will:

- Own a significant feature end-to-end — from technical design to production — across frontend and backend
- Identify and address quality or consistency issues in the codebase proactively
- Start mentoring teammates through code reviews and technical pairing

Within 9 months, you will:

- Consistently own complex features with full autonomy, including cross-cutting architectural decisions
- Make material improvements to core platforms or critical business logic
- Influence technical standards on the team and be the engineer teammates pull in for hard problems

## What You’ll Bring

- 7+ years of software engineering, with strong command of TypeScript across the full stack (Node.js backend, React frontend)
- Experience designing and building REST and/or GraphQL APIs with production ownership
- Ability to understand broad system architecture and make well-reasoned design tradeoffs
- Solid experience with relational databases (PostgreSQL preferred) — schema design, query optimization
- Cloud infrastructure experience (AWS preferred) and modern CI/CD practices
- Communicates technical complexity clearly to product and cross-functional stakeholders
- Uses AI tooling natively as part of your engineering workflow

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

What’s In It For You?

- Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
- Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
- Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.
- Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
- Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
- Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

## About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt.  Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions. Please note: This position is offered on a contractor basis. Applicants must have the necessary documentation and authorization to work in the country where the job is located. Clutch cannot provide sponsorship or assist with obtaining work permits for this role.

A Note About AI at Clutch We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!

## About Clutch

## Company Overview
- **One-liner**: Clutch provides a unified digital origination platform for credit unions, modernizing lending, account opening, and member engagement.
- **Entity Type**: Private (Series B)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2019
- **Founders**: Nicky Hinrichsen and Chris Coleman

## Core Business
- **Primary industry**: Financial Services / Fintech
- **Target customers**: Credit unions (B2B, primarily mid-to-large sized institutions)
- **Mission or purpose statement**: To give credit unions an unfair competitive edge by combining their member-first philosophy with the speed, intelligence, and design precision of leading fintechs. The company believes that "doing good and doing well aren’t opposites – they’re outcomes of alignment."

## Products & Services
- **Unified Origination Platform**: A single, end-to-end platform for loans, deposits, and member engagement. It covers account opening, loan origination, decisioning, onboarding, and member support across all channels (online, in-branch, mobile).
- **HAL (AI Lending Assistant)**: An AI-powered assistant available 24/7 to answer member questions, guide applications, and automate document collection and next steps.
- **Emma (Collections Assistant)**: An AI assistant that automates outreach at scale to recover payments, freeing staff to focus on higher-value member interactions.
- **Fastlane Decisioning**: An automated decisioning engine that uses a "Relationship Score" to reward existing members with personalized offers and smarter underwriting.
- **Omnichannel Platform**: A unified system that delivers a consistent experience across online, in-branch, and phone channels, reducing in-branch intake from 25 minutes to 3.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed
- **Total Funding**: $106.0M (Series B of $65M in January 2025, Series A of $41M in April 2021, Seed Round in April 2020)
- **Key Metric**: Over 150 credit unions rely on the platform; the company processes billions in applications annually.
- **Notable Investors/Partners**: TruStage, Curql Collective (investors). CEO Nicky Hinrichsen serves on the advisory board of Suncoast Credit Union.
- **Growth Signals**: 221 employees (+26.8% YoY), with a significant presence in Brazil (49% of workforce) and the US (33%). The company has expanded its platform from lending to a full origination ecosystem including deposits and business accounts.

## Competitive Advantages
- **Deep Credit Union Focus**: Unlike many fintechs that build for banks or chase exits, Clutch is exclusively built for and aligned with the credit union movement. It maintains its capital reserves with credit unions and is backed by industry-specific investors like TruStage and Curql Collective.
- **Unified Platform**: A single, end-to-end origination ecosystem covering loans, deposits, and member engagement, which reduces complexity for credit unions compared to using multiple vendors.
- **AI-Powered Efficiency**: Features like the HAL lending assistant and Emma collections assistant drive significant automation (90%+ IDV and fraud detection automation, 40% reduction in manual reviews).
- **Proven Results**: Claims up to 2x increase in look-to-book ratios, 36% average cross-sell success rate, and a reduction of in-branch intake from 25 minutes to 3.

## Strategic Focus
- **Deepening the Platform**: Expanding from lending into deposits, business accounts, and AI-powered member support to become the single operating system for credit union origination.
- **AI Integration**: Embedding AI (HAL, Emma) across the entire member journey to automate workflows, improve decisioning, and personalize offers.
- **Scaling Impact**: Growing the customer base (150+ credit unions) and team (200+ employees) while maintaining a focus on the credit union ecosystem.

## Why Work Here
- **Mission-Driven Work**: The company is deeply aligned with the credit union movement, offering a chance to build technology that directly helps millions of people access fairer financial services.
- **Remote-First Culture**: Clutch supports remote work with home office, phone, and wifi stipends. They also host company off-sites (e.g., in Brazil) and offer co-working support.
- **Comprehensive Benefits**: 100% coverage of medical, dental, and vision for employees and 80% for dependents; parental leave; flexible PTO; competitive pay with meaningful equity; annual learning stipend.
- **Global Team**: With over 200 employees across the US and Latin America (notably Brazil), the company offers a diverse, international work environment.
- **Engineering Culture**: The careers page emphasizes end-to-end ownership, complex problem-solving, and building systems that credit unions rely on. The engineering team is the largest department (48% of workforce).
- **Core Values**: "Always Do Right," "Responsiveness Trumps Everything," "Build a Monument" (thinking in decades, not quarters), "Collectively We Thrive," and "Go Forth, Be Bold."

## Sources
1. [withclutch.com - About Us](https://www.withclutch.com/company/about-us/)
2. [withclutch.com - Product Page](https://www.withclutch.com/)
3. [withclutch.com - Careers](https://www.withclutch.com/company/careers/)
4. [LinkedIn - Clutch](https://www.linkedin.com/company/withclutch)
5. [jobs.ashbyhq.com - Clutch](https://jobs.ashbyhq.com/withclutch)

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